Depends on the Lender, some do, most dont. It would be god on your part to take pics of the car when you turn it in. CYA deal.
The lender has no legal obligation to recover a vehicle and usually will not if the vehicle has greatly depreciated due to age and/or condition. The buyer cannot receive a clear title to the vehicle until the loan is paid or satisfied. The lender can use whatever means allowed under the laws of the debtor's state to collect monies owed, including filing a lawsuit against the debtor.
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